Karnataka Bank Ltd

Karnataka Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Karnataka Bank Ltd

₹ 175 -0.60%
18 Nov - close price
karnatakabank.com BSE: 532652 NSE: KTKBANK
About

Karnataka Bank is engaged in providing a wide range of banking & financial services involving retail, corporate banking and para-banking activities in addition to treasury and foreign exchange business.[1]

Key Points

Services Offerings
Retail and Personal Banking- Loans for houses, vehicles, gold, LAP, Personal loans, and Education Loan.
MSME- Working capital finance, Term loans & infrastructure finance, Business development loans, Corporate loans, Professional & self-employed loans.
Agriculture Banking- Agriculture & allied activities, Farm development, Agricultural land purchase, Farm mechanization, etc. [1]

Website BSE NSE
  • Market Cap ₹ 6,604 Cr.
  • Current Price ₹ 175
  • High / Low ₹ 231 / 162
  • Stock P/E 5.75
  • Book Value ₹ 333
  • Dividend Yield 2.86 %
  • ROCE 6.33 %
  • ROE 11.1 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.52 times its book value
  • Company has delivered good profit growth of 24.1% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 6.84% over past five years.
  • Company has a low return on equity of 13.1% over last 3 years.
  • Contingent liabilities of Rs.13,211 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Banks Private Sector Bank

Part of BSE SmallCap BSE Allcap BSE Financial Services Nifty Microcap 250 Nifty Total Market

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
1,771 1,851 1,969 1,959 2,027 2,113 2,201 2,278 2,234 2,243 2,258 2,261 2,179
Interest 968 1,016 1,109 1,144 1,204 1,285 1,367 1,375 1,401 1,450 1,478 1,506 1,451
471 672 823 689 670 758 938 664 674 743 865 757 651
Financing Profit 331 162 37 126 153 70 -104 239 159 50 -84 -2 77
Financing Margin % 19% 9% 2% 6% 8% 3% -5% 11% 7% 2% -4% -0% 4%
260 205 395 324 250 326 419 279 270 299 428 358 343
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 592 367 432 450 402 396 315 518 429 349 344 357 420
Tax % 30% 18% 18% 18% 18% 16% 13% 23% 22% 19% 27% 18% 24%
411 301 354 371 330 331 274 400 336 284 253 292 319
EPS in Rs 13.22 9.64 11.32 11.87 10.56 9.55 7.27 10.61 8.90 7.50 6.68 7.74 8.44
Gross NPA % 3.36% 3.28% 3.74% 3.68% 3.47% 3.64% 3.53% 3.54% 3.21% 3.11% 3.08% 3.46%
Net NPA % 1.72% 1.66% 1.70% 1.43% 1.36% 1.55% 1.58% 1.66% 1.46% 1.39% 1.31% 1.44%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
6,475 6,232 6,222 7,220 8,299 9,014 8,942
Interest 4,444 4,049 3,731 4,035 5,000 5,703 5,885
2,706 2,993 2,677 2,651 2,983 2,854 3,016
Financing Profit -676 -810 -186 534 316 457 41
Financing Margin % -10% -13% -3% 7% 4% 5% 0%
1,262 1,495 954 993 1,319 1,270 1,429
Depreciation 64 74 74 86 72 85 0
Profit before tax 522 612 694 1,440 1,563 1,641 1,470
Tax % 17% 21% 27% 18% 16% 22%
432 482 508 1,180 1,307 1,273 1,148
EPS in Rs 13.89 15.52 16.33 37.77 34.64 33.68 30.36
Dividend Payout % 0% 12% 24% 13% 16% 15%
Compounded Sales Growth
10 Years: %
5 Years: 7%
3 Years: 13%
TTM: 1%
Compounded Profit Growth
10 Years: %
5 Years: 24%
3 Years: 36%
TTM: -14%
Stock Price CAGR
10 Years: 7%
5 Years: 31%
3 Years: 8%
1 Year: -14%
Return on Equity
10 Years: %
5 Years: 11%
3 Years: 13%
Last Year: 11%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 311 311 311 312 377 378 378
Reserves 5,660 6,331 6,783 7,900 10,470 11,707 12,211
Deposits 71,785 75,654 80,387 87,368 97,988 104,806 102,816
Borrowing 4,065 1,765 2,314 1,563 4,400 1,941 1,309
1,493 1,519 1,789 1,914 2,849 2,129 1,972
Total Liabilities 83,313 85,581 91,583 99,057 116,083 120,960 118,685
826 838 805 846 915 976 1,069
CWIP 0 0 13 29 13 14 0
Investments 17,545 21,635 22,040 23,325 24,300 24,535 26,597
64,942 63,108 68,725 74,857 90,855 95,435 91,019
Total Assets 83,313 85,581 91,583 99,057 116,083 120,960 118,685

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-90 3,368 -467 1,830 681 210
-56 -87 -56 -88 -369 -691
-545 -885 -355 -19 1,582 412
Net Cash Flow -690 2,396 -879 1,723 1,894 -69

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 8% 7% 15% 14% 11%

Shareholding Pattern

Numbers in percentages

6 Recently
Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
19.75% 20.30% 21.03% 22.67% 19.03% 18.86% 14.72% 10.29% 11.22% 12.88% 15.66% 14.60%
5.43% 5.74% 6.00% 8.60% 17.69% 23.06% 22.85% 22.05% 20.23% 18.16% 17.01% 16.11%
74.80% 73.95% 72.95% 68.71% 63.26% 58.08% 62.43% 67.67% 68.55% 68.97% 67.33% 69.27%
No. of Shareholders 2,26,5952,35,1042,42,1252,59,5212,67,6373,00,8723,43,7973,56,7743,74,5883,99,5694,04,4054,10,790

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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